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PENYELESAIAN WANPRESTASI NASABAH DALAM AKAD MUDHARABAH (STUDI KASUS DI BJB SYARIAH KCP PATROL) Milati, Arina; Arifin, Tajul
Al-Muamalat: Jurnal Ekonomi Syariah Vol 8, No 2 (2021): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v8i2.14002

Abstract

Defaults can be subject to ta'zir, contract cancellation, risk transfer, or paying for the case. Ta'zir is enforced by Islamic Banks to prevent customers from being negligent about their obligations. The research aims to find out the settlement of default customers, to find out the factors that cause customer defaults, and to find out the results of the analysis regarding DSN Fatwa No. 17/DSN-MUI/IX/2000 regarding procedures for settling defaults in mudharabah contracts at BJB Syariah KCP Patrol. The method used is descriptive qualitative. The results of his research are that settlement of default customers at KCP Patrol is carried out by imposing ta'zir fines and attempts to reprimand via SMS, visiting the customer's house, summoning the customer to come to the bank, giving a subpoena 3 (three) times, to confiscating collateral if the customer is still just don't pay the installments. Factors that cause default customers are a declining business, deliberately delaying payments or being negligent, not having good faith, and sick customers. In conclusion, DSN Fatwa No. 17/DSN-MUI/IX/2000 is not fully implemented because at BJB Syariah KCP Patrol still applies ta'zir fines to all customers without exception. Wanprestasi dapat dikenakan ta’zir, pembatalan kontrak, peralihan risiko, maupun membayar perkaranya. Ta’zir diberlakukan oleh Bank Syariah dalam upaya mencegah nasabah yang lalai akan kewajibannya. Penelitian bertujuan untuk mengetahui penyelesaian nasabah wanprestasi, mengetahui faktor-faktor yang menyebabkan wanprestasi nasabah dan mengetahui hasil analisis mengenai Fatwa DSN No. 17/DSN-MUI/IX/2000 terhadap prosedur penyelesaian wanprestasi dalam akad mudharabah di BJB Syariah KCP Patrol. Metode yang digunakan adalah deskriptif kualitatif. Hasil penelitiannya adalah penyelesaian terhadap nasabah wanprestasi di KCP Patrol dilakukan dengan cara mengenakan denda ta’zir dan upaya teguran melalui SMS, mendatangi rumah nasabah, memanggil nasabah datang ke bank, memberikan surat somasi sebanyak 3 (tiga) kali, hingga penyitaan jaminan apabila nasabah masih saja tidak membayar angsurannya. Faktor-faktor yang menyebabkan nasabah wanprestasi yaitu memiliki usaha yang menurun, sengaja menunda-menunda pembayaran atau lalai, tidak mempunyai itikad baik dan nasabah sakit. Kesimpulannya, Fatwa DSN No. 17/DSN-MUI/IX/2000 tidak sepenuhnya diterapkan karena di BJB Syariah KCP Patrol masih menerapkan denda ta’zir kepada semua  nasabah tanpa terkecuali.
Diskon Angka Kembar: Trik atau Ilusi Bisnis? Kajian Sosiologi Ekonomi Islam terhadap Perlindungan Konsumen Adawiah, Amalia Muazzah; Abdal, Abdal; Arifin, Tajul
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 3 No. 2 (2024): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v3i2.4482

Abstract

The phenomenon of twin-digit discounts in digital transactions is increasingly popular and raises various questions regarding consumer protection from the perspective of Islamic economic sociology. These discounts are often used as a marketing strategy, but concerns also arise regarding their long-term impact on consumer welfare, particularly in terms of transaction fairness and transparency. This study aims to examine how consumer protection is applied in digital transactions involving twin-digit discounts and how the principles of Islamic economic sociology can offer solutions to these challenges. Using a descriptive qualitative method, data was collected through literature review and analysis of phenomena in society. The findings emphasize the importance of stronger regulation and consumer awareness in identifying potential risks that may arise from these discount practices.
Gender Equality in Article 1 of the Universal Declaration of Human Rights: An Islamic Law Perspective Jalaludin, Diding; Arifin, Tajul; Fauzia, Ine
MAQASIDI: Jurnal Syariah dan Hukum Vol. 4, No. 2 (Desember 2024)
Publisher : MAQASIDI: Jurnal Syariah dan Hukum published by the Islamic Criminal Law Program of the Sharia and Islamic Economics Department at the Sekolah Tinggi Agama Islam Negeri Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/maqasidi.v4i2.3870

Abstract

This study aims to determine the relevance of Article 1 of The Universal Declaration of Human Rights which guarantees freedom, dignity and equal rights between human individuals from the perspective of Islamic Law which came with the vision of rahmatan lil 'alamin through the Prophet Muhammad Shallahu 'Alaihi Wasallam. The method used in this research uses a descriptive analysis method with a normative juridical approach and uses qualitative data types in the form of secondary data consisting of primary, secondary, and tertiary legal materials with data collection techniques through literature studies and content analysis techniques. This research concludes that there is a significant relevance where Islamic Law greatly strengthens and provides hujjah to the clause of gender equality position between individuals that has been formulated in Article 1 of The Universal Declaration of Human Rights. So the existence of several differences in concepts between men and women in the perspective of Islamic Law is not a discrimination against certain genders, the existence of these differences has placed each gender in a noble position based on its characteristics as conceptualized by Islamic law.
Self-Responsibility for Legal Rights and Freedoms: A Perspective of Fiqh and the Universal Declaration of Human Rights Rusmana, Dian; Arifin, Tajul; Fauzia, Ine
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 1 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i1.10131

Abstract

Ideally, every individual holds a balanced responsibility toward their rights and legal freedoms, as guided by Islamic Fiqh and the Universal Declaration of Human Rights (UDHR). However, in reality, imbalances between the exercise of rights and responsibilities often occur, both in social and legal contexts. This study aims to analyze the concept of individual responsibility toward rights and legal freedoms from the perspectives of Islamic Fiqh and the UDHR, as well as to identify the common ground between these two perspectives. This article falls under normative research with a qualitative approach, utilizing analysis of relevant primary and secondary literature. The findings reveal that both Islamic Fiqh and the UDHR emphasize a balance between rights and responsibilities, although differences exist in principles and contexts of application. These findings underscore the importance of harmonizing Islamic legal principles and universal norms to achieve social justice.
Maqashid Al-Syari'ah dalam Regulasi Mediasi Mahkamah Agung: Studi Kasus Penyelesaian Konflik Waris di PA Sumedang Athoillah, Mohamad; Arifin, Tajul
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.v26i1.33985

Abstract

This study aims to analyze the strength of Maqashidu al-Syari'ah (MS) in mediation regulations and their application in the process of mediation for inheritance disputes in the Religious Courts. This research applies descriptive analytical method; data were collected by doing observation, indepth interview with mediators, documentation and literature study, then data analysis techniques were used to analyze it. The findings of this study show that MS's spirit in the Perma of Mediation Procedure in Court is very strong. However, However, the MS spirit contained in the Perma has not been successfully implemented in mediation in Religious Courts. The results of this research imply the necessity for mediators to master the MS and its spirit contained in the Perma on Mediation Procedures in Court well and apply it in mediation.Penelitian ini bertujuan menganalisis kekuatan semangat Maqashidu al-Syari'ah (MS) dalam Perma No. 1 Tahun 2016 tentang Mediasi dan penerapannya dalam upaya perdamaian sengketa waris di Pengadilan Agama (PA). Metode deskriptif analisis diterapkan dalam penelitian ini; data dikumpulkan dengan observasi, wawancara mendalam dengan mediator, studi dokumentasi dan studi literatur, lalu data dianalisis dengan mengaplikasikan teknik kualitatif. Penelitian menunjukkan ruh MS dalam Perma tentang Mediasi di Pengadilan sangat kuat. Namun semangat MS yang terdapat dalam Perma itu belum berhasil diterapkan dengan baik dalam mediasi di PA. Hasil penelitian ini mengimplikasikan keharusan bagi para mediator untuk menguasai MS dan semangatnya yang ada dalam Perma tentang Mediasi di Pengadilan dengan baik dan menerapkannya dalam proses mediasi.
Relevansi Pasal 5 Deklarasi Universal Hak Asasi Manusia dan Al-Qur’an; Kontruksi Historis Pidana Islam Pratama, Brilyan Yudha; Arifin, Tajul; Fauzia, Ine
Legalite : Jurnal Perundang Undangan dan Hukum Pidana Islam Vol 10 No 1 (2025): Legalite: Jurnal Perundang Undangan dan Hukum Pidana Islam
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/legalite.v10i1.10231

Abstract

Ideally, Article 5 of the Universal Declaration of Human Rights (UDHR), which prohibits torture, inhuman treatment, or degrading punishment, reflects universal principles that align with the values of justice, dignity protection, and the prohibition of cruel acts in the Qur’an. However, in reality, the implementation of these values often faces challenges both in the global context and in the application of Islamic criminal law, both in classical and contemporary times. This study aims to analyze the relevance of Article 5 of the UDHR with the teachings of the Qur’an and examine the historical construction of Islamic criminal law in implementing these values. This article is classified as qualitative research based on library research, using a normative-historical approach. The methodology employed is content analysis. The study concludes two main points. First, there is significant relevance between Article 5 of the UDHR and the teachings of the Qur’an, particularly in the principles of human dignity protection, justice, and the prohibition of cruel acts. Second, the historical construction of Islamic criminal law shows that these principles have been gradually implemented in various contexts, from the time of the Prophet, the period of the Imams of the madhhab, to the modern era.
Suap Menyuap dalam Perspektif Pasal 2 & 3 UU Nomor 11 Tahun 1980 tentang Tindak Pidana Suap dan Hadits Riwayat Ahmad Azizah, Wardatul; Arifin, Tajul
Afkaruna: International Journal of Islamic Studies (AIJIS) Vol. 2 No. 1 (2024): September
Publisher : Universitas Islam Internasional Darullughah Wadda'wah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aijis.v2i1.1624

Abstract

The crime of bribery and criminal acts of corruption are disgraceful acts related to abuse of position, discriminatory behavior by giving special privileges to someone based on receiving bribes or rewards, violating public trust so that democracy is damaged, damaging the mentality of officials in both the private corporate sector and the government sector, endanger the security of society at large, and cause competition in business to be flawed or unfair. Based on reports and surveys from GCB in 2020, the level of bribery practices in Indonesia was in the third highest position out of 17 Asian countries. The aim of this research is to determine bribery from the perspective of Law Number 11 of 1980 and based on the Hadith History of Ahmad. Researchers utilize a descriptive approach in qualitative research methods, using primary and secondary data as sources of information. Based on the Hadith perspective, Ahmad's history says that Allah SWT and the Prophet Muhammad SAW will curse the bribe recipients, bribe givers and intermediaries.
Hak Berserikat dan Berkumpul Menurut UUD Pasal 28E Ayat 3 dan Pasal 21 Ayat 1 DUHAM; Tinjauan Aktivitas Ekonomi Islam Hafid, Numan Sofari; Arifin, Tajul; Fauzia, Ine
Al - Muamalat: Jurnal Hukum dan Ekonomi Syariah Vol 10 No 1 (2025): Al-Muamalat: Jurnal Hukum Dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i1.9790

Abstract

Ideally, the right to associate and assemble, as guaranteed in Article 28E Paragraph 3 of the 1945 Constitution of Indonesia and Article 21 Paragraph 1 of the Universal Declaration of Human Rights (UDHR), provides freedom for individuals and groups to participate in social, political, and economic life. However, in reality, the implementation of this freedom still faces challenges, especially in the context of Islamic economics in Indonesia, where existing regulations sometimes limit the development of this sector. The aim of this research is to analyze the role of the right to associate and assemble in strengthening Islamic economic activities in Indonesia. This study uses a normative legal approach with qualitative analysis, focusing on secondary data from relevant literature and legal documents. The results of the study indicate that the right to associate and assemble plays a crucial role in strengthening Islamic economics. This freedom allows the formation of Islamic-based economic organizations that support the principles of justice and transparency. The implementation of this right, although hindered by several regulations that are less supportive, still provides a strong foundation for society to collaborate in the development of a more inclusive and just economy.
PENGGANDAAN UANG DALAM PERSPEKTIF PASAL 378 KUHP DAN HADITS RIWAYAT IMAM MUSLIM Angraeni, Muthiara; Arifin, Tajul
al-Rasῑkh: Jurnal Hukum Islam Vol. 12 No. 2 (2023): November
Publisher : Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/rasikh.v12i2.1489

Abstract

This article analyzes the prohibition of money duplication as stipulated in Article 378 of the Indonesian Criminal Code (Kitab Undang-Undang Hukum Pidana) and the perspective of a hadith narrated by Muslim. The research aims to gain insights into the conception of this prohibition in the context of criminal law and the Islamic religious view. A normative research method is employed, which involves examining available legal sources. The legal sources used include primary legal sources based on Article 378 of the Criminal Code and Islamic legal sources, namely the hadith narrated by Muslim. Secondary legal sources obtained from journals, books, and supporting documents are also utilized. The analysis indicates that Article 378 of the Criminal Code prohibits actions of money duplication involving manipulation or fraud to obtain unlawful profits. This article provides a more comprehensive understanding of the prohibition of money duplication from the perspectives of criminal law and Islam.
Metodologi Imam Ahmad bin Hanbal dalam Menilai Kredibilitas Perawi Hadis Azzahra, Arini Nabila; Arifin, Tajul
Asian Journal of Islamic Studies and Da'wah Vol 2 No 4 (2024): Asian Journal of Islamic Studies and Da'wah
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajisd.v2i4.3139

Abstract

The existence of the sanad in a hadith occupies a crucial position. This is because a hadith is said to be authentic if the line of transmission and the transmitter (narrator) are free from defects. The narrators here become one of the the influential ones in bringing the hadith to a high degree by looking based on intellectual andbehavioral credibility. Intellectuality is a measurable aspects, but every hadith scholar has varied criteria and methods in determining the credibility of a narrator. Imam Ahmad, as one of the leading scholars in the tradition of hadith, has a structured approach in assessing narrators who narrate traditions that are the basis of religious teachings. This article discusses and reviews in detail how Imam Ahmad ibn Hanbal assesses the intellectual credibility of hadith narrators. This research uses a qualitative method with an analytical descriptive approach and data collection techniques in the form of library research. The results of this study found that the methodology used by Imam Ahmad bin Hanbal reflects wisdom, justice and balance in assessing the credibility of narrators. The method used by Imam Ahmad covers various aspects including the testimony of scholars, the compatibility of the narration with the narration of other reliable narrators, and the assessment based on the frequency of the narrator’s mistakes as well as the emphasis on written records and strong memorization also characterize Imam Ahmad’s methodology. This article provides an in-depth insight into Imam Ahmad’s approach in assessing the intellectual credibility of hadith narrators and serves as areference in the future development of evaluation in the study of hadith narration.
Co-Authors 'Ain, I. Nurol Abdal Abdal, Abdal Abdul Rohim, Abdul Abdulah Pakarti, Muhammad Husni Abdurahim, Mika Adawiah, Amalia Muazzah ahmad arifin Ahmad Ridwan Ahmadi, Husni Al Khansa, Amelia Cendikia Ali Masrur Andika, Indra Dwi Cahya Angraeni, Muthiara Annura Nazwa Arrazi, Ghiffaridz Valdzan Athoillah, Mohamad Azizah, Wardatul Azzahra, Arini Nabila AzZahra, Naila Syafa Azzami, Abdulloh Buchori , Muhamad Fiqri Al Cahyani, Putri Tri Damarudin, Zarqa Haura Bilfaqih Dea Dahlia Dewi, Raenita Aulia Fadllurrahman, Irfan Faisal Adam, Faisal Farhan , Razkha Yudistira Adrian Farizi, Muhammad Luthfi Al Fauji, Hayatul Fauzia, Ine Fauziah, Azka Fauziah, Ine Hafid, Numan Sofari Hakim, Muhammad Irfan Haniifaa, Anita Nabila Harmaini, Ryan Lukman El Hakim Hasan Bisri Herawati, Milda Kurnia Hermawan, Faza Pauzia Heryana, Sandi Hidayat, Ia Mufti Hidayatulloh, Tutur Nurul Ibal, Faisal Adam Ikhsan, Muhammad Miftahul Imam Muttaqin, Faruqi Irawan, Zahran Abhipraya Islah Siregar, Muhamad Iwan Setiawan Jalaludin, Diding Jefik Zulfikar Hafizd Jubaedah, Dedah Kholili, Muhammad Salim Kurniawan, Cecep Soleh Lidzikrirrofiqi, Muhammad Rifqi M, Faruqi Imam Maharani, Siti mayang, Dewi Mida Safitriani, Mida Safitriani Milati, Arina Mohamad Rana Muhammad Hilmi Mujaddid Rais, Fakhri Mukhlas, Oyo Sunaryo Muzaki, Amar Nabilla Fitri Arfian Nailus Sakinah, Nailus Sakinah Nazhif, Muhammad Alwan Noviaranti, Sari Nurrohman Nurrohman Nursalim, Danni Nursyamsudin, Nursyamsudin Padhilah, Piqi Rizki Pian, Happy Prasetia, Riky Pratama, Brilyan Yudha Puspitasari, Dea Putra, Aldy Pratama Putri, Rizkia Novebiani Ramadhana, Ahyana Ikhwana Ramania, Restu Ramdi, Tansya Hadiansyah Ridwan, Ahmad Hasaan Rizaludin, Rizaludin Rizqillah, Faisal Najmi Rohman, Teguh Abdul Rusmana, Dian Sabila, Kanisa Sadikin, Moch. Ramdan Hasan Saebani, Beni Ahmad Saepullah, Usep Safei, Abdulah Saima, Ima Santoso, Selamet Sari, Dina Novita Satianagara, Arjuna Savariah, Eva Sidiq, Gifar Sitorus, Hotma Gustian Solihat, Naysila Fitri Sonia, Gina Srimauludiyah Sugiyanti, Ekta Lina Timora, Deril Rafsya Tri Cahyani , Putri Ulya Adila, Hafidah Yuniarti, Vinna Sri Zaliaokta, Faliani