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Penerapan Konsep Hybrid Contracts dalam Pembiayaan Rahn di Pegadaian Syariah M, Faruqi Imam; Abdal, Abdal; Arifin, Tajul
AHKAM Vol 3 No 1 (2024): MARET
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v3i1.2441

Abstract

Islamic financing has become an increasingly popular option for individuals and businesses looking to meet their financial needs in accordance with Islamic principles. One of the prominent innovations in Islamic financing is the concept of Hybrid Contracts, which allows combining several types of Islamic contracts in one financing product. This article explores the role and benefits of the concept of Hybrid Contracts in financing rahn at Pegadaian Syariah. We also explain the detailed implementation steps, which include customer identification, risk evaluation, determination of sharia contract type, application submission, feasibility review, contract signing, transaction execution, and financing monitoring. The concept of Hybrid Contracts helps increase flexibility, inclusivity, and compliance with sharia principles in rahn financing, opening the door to broader sharia-based economic development.
PEMBATASAN HAK KEPEMILIKAN HARTA BAGI INDIVIDU DAN KEPENTINGAN SOSIAL DALAM HUKUM NASIONAL INDONESIA DALAM PERSPEKTIF AL-QURAN HADIS DAN PASAL 17 AYAT 1 THE UNIVERSAL DECLARATION OF HUMAN RIGHTS Padhilah, Piqi Rizki; Arifin, Tajul; Fauzia, Ine
Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Vol. 4 No. 3 (2024): Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/bureau.v4i3.456

Abstract

This study is motivated by the fact that the restriction of property ownership rights for individuals often serves as an essential instrument in achieving social justice and societal welfare. This research aims to analyze the restriction of property ownership rights in the context of social interests based on the perspectives of the Qur'an, Hadith, and Article 17 Paragraph 1 of The Universal Declaration of Human Rights (UDHR). The study employs a normative juridical approach and descriptive analytical methods. Data were collected through literature studies and analyzed using qualitative data analysis techniques. The findings of this study indicate that the Qur'an emphasizes property as a trust that must be utilized for the benefit of the community through obligations such as zakat and other forms of wealth distribution, while the Hadith highlights the importance of social solidarity. Article 17 Paragraph 1 of the UDHR provides an international legal basis for restricting individual rights for the common good, aligning with various regulations in Indonesia such as the 1945 Constitution and the Basic Agrarian Law. The findings of this research imply the necessity of strengthening redistribution regulations, improving the efficiency of zakat and tax systems, and enforcing equitable laws to create more equitable social welfare
Pemikiran Hadis Ahmad Hassan tentang Hadits di Indonesia Rohman, Teguh Abdul; Arifin, Tajul
Asian Journal of Islamic Studies and Da'wah Vol 3 No 1 (2025): 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.v3i1.4486

Abstract

A. Hassan encouraged efforts to perform ijtihad by referring to the Qur'an and Sunnah. Hassan's call to directly base one's views on the Qur'an and Sunnah motivated people to study the sciences related to these two sources, particularly hadith and the science of hadith. The purpose of this written work is to understand A. Hassan's approach to the study of hadith, including his research methodology as well as his critique of sanad (chain of transmission) and matan (content). The methodology used is specifically descriptive analysis, which involves studying specific objects, conditions, or phenomena and aims to provide a systematic, factual, and accurate general description. As a scholar of hadith, it is essential to study A. Hassan's thoughts, as the motto ar-ruju’ ila Qur’an wa Sunnah (returning to the Qur'an and Sunnah) cansnot be separated from his significant contributions.
ZAKAT SAHAM MNC SEKURITAS CABANG BANDUNG DALAM PERSPEKTIF FIQH TABARRU’ Muzaki, Amar; Arifin, Tajul; Yuniarti, Vinna Sri
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.v8i2.12969

Abstract

Share zakat is a development object of zakat mal. With the increase in stock investors, zakat shares have high potential. MNC Sekuritas has a stock zakat feature as a zakat service with a stock object in collaboration with Rumah Zakat as amil zakat fund manager. However, zakat on shares is not for all shares listed on the IDX. This study aims to determine, describe, and analyze the criteria for shares that can be zakat and how the practice of implementing zakat shares at MNC Sekuritas Bandung is based on a review of sharia economic law. This research was conducted with a descriptive method, namely describing and reviewing the implementation of stock zakat at MNC Sekuritas Bandung. Sources obtained from the provisions relating to zakat shares from the MNC Sekuritas Bandung. This study concludes, shares that can be used as objects of zakat must be included in the Sharia Securities List (DES) and obtained lawfully so that not all shares can be zakated as not all assets can be zakat, the implementation of zakat shares at MNC Sekuritas Bandung is the same as the implementation of zakat in general and its implementation also easy and efficient. According to a review of sharia economic law, the implementation of zakat shares at MNC Sekuritas Bandung is based on sharia provisions and principles terms, and pillars.  Zakat saham merupakan pengembangan objek zakat mal. Bertambahnya investor saham, zakat saham memiliki potensi tinggi. MNC Sekuritas memiliki fitur zakat saham sebagai layanan zakat dengan objek saham bekerja sama dengan Rumah Zakat sebagai amil pengelola dana zakat. Namun zakat saham tidak untuk semua saham yang terdaftar di BEI. Penelitian ini bertujuan untuk mengetahui, mendeskripsikan, serta menganalisis kriteria saham yang dapat dizakatkan serta bagaimana praktik pelaksanaan zakat saham di MNC Seuritas Bandung berdasarkan tinjauan fiqh tabarru’. Penelitian ini dilakukan dengan metode deskriptif, yaitu memaparkan dan meninjau pelaksanaan zakat saham di MNC Sekuritas Bandung. Sumber diperoleh dari ketentuan yang berkaitan dengan zakat saham dari pihak MNC Sekuritas Bandung. Hasil penelitian ini ditemukan bahwa saham yang dapat dijadikan objek zakat haruslah masuk Daftar Efek Syariah (DES) dan diperoleh dengan halal sehingga tidak semua saham dapat dizakatkan sebagaimana tidak semua harta dapat dizakati. Selain itu, pelaksanaan zakat saham di MNC Sekuritas Bandung sama dengan pelaksanaan zakat pada umumnya serta pelaksanaanya pun mudah dan efisien. Kesimpulannya, pelaksanaan zakat saham di MNC Sekuritas Bandung telah sesuai dengan ketentuan serta prinsip syariah baik dari segi syarat maupun rukun.
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.
Co-Authors 'Ain, I. Nurol Abdal Abdal, Abdal Abdul Rohim, Abdul Abdulah Pakarti, Muhammad Husni Abdurahim, Mika Abdurrahman, Irwan Adawiah, Amalia Muazzah ahmad arifin Ahmad Ridwan Ahmadi, Husni Al Khansa, Amelia Cendikia Al-Kasyaf, Muhammad Zheeva Ali Masrur Andika, Indra Dwi Cahya Angraeni, Muthiara ARDIANSYAH ARDIANSYAH Arrazi, Ghiffaridz Valdzan ASM, U. Saifuddin Athoillah, Mohamad Azizah, Wardatul Azzahra, Arini Nabila Azzami, Abdulloh Buchori , Muhamad Fiqri Al Cahyani, Putri Tri Damarudin, Zarqa Haura Bilfaqih Dea Dahlia Dewi, Raenita Aulia Fachrurrosi, Harie Fadllurrahman, Irfan Faisal Adam, Faisal Farhan , Razkha Yudistira Adrian Farizi, Muhammad Luthfi Al Fauji, Hayatul Fauzia, Ine Fauziah, Azka Fauziah, Ine Hafid, Numan Sofari Hairullah Hairullah, Hairullah Hakim, Muhammad Irfan Haniifaa, Anita Nabila Harmaini, Ryan Lukman El Hakim Herawati, Milda Kurnia Hermawan, Faza Pauzia Heryana, Sandi Hidayat, Agi Attaubah Hidayat, Ia Mufti Hidayatulah Hidayatulloh, Tutur Nurul Ibal, Faisal Adam Ikhsan, Muhammad Miftahul Ilham Pratama , Muhammad Imam Muttaqin, Faruqi Imana, Yudi Irawan, Zahran Abhipraya Irwan Kurniawan Islah Siregar, Muhamad Iwan Setiawan Jalaludin, Diding Jubaedah, Dedah Kanaan, Asim Ismail Kholili, Muhammad Salim Kurniawan, Cecep Soleh Lidzikrirrofiqi, Muhammad Rifqi M, Faruqi Imam Maharani, Siti mayang, Dewi Mida Safitriani, Mida Safitriani Milati, Arina Muhammad Hilmi Mujaddid Rais, Fakhri Mujoko, Bejo Mukhlas, Oyo Sunaryo Muzaki, Amar Nabilla Fitri Arfian Nailus Sakinah, Nailus Sakinah Nazhif, Muhammad Alwan Noviaranti, Sari Nurrohman Nurrohman Nursyamsudin, Pebriyana Padhilah, Piqi Rizki Pian, Happy Prasetia, Riky Pratama, Brilyan Yudha Puspitasari, Dea Putra, Aldy Pratama Putri, Rizkia Novebiani Rajiman, Arman Ramadhana, Ahyana Ikhwana Ramania, Restu Ramdi, Tansya Hadiansyah Rana, Mohamad Rayana, Jagat ridwan fauzi Ridwan, Ahmad Hasaan Rizaludin, Rizaludin Rizqillah, Faisal Najmi Rohman, Teguh Abdul Royhan, Fahmi Rusmana, Dian Sabila, Kanisa Sadikin, Mochammad 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 Sonia, Gina Srimauludiyah Sugiyanti, Ekta Lina Sumitra Timora, Deril Rafsya Tri Cahyani , Putri Ulvah Nur’aeni Ulya Adila, Hafidah Yuniarti, Vinna Sri Zaliaokta, Faliani