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TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN AKAD MURABAHAH PADA PEMBIAYAAN OTO BERKAH Muh Fahmi Jafar; Nur Taufiq Sanusi; Musyfikah Ilyas
El-Iqthisadi Volume 4 Nomor 1 Juni 2022
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/el-iqthisady.vi.29692

Abstract

Abstrak Penelitian ini membahas tentang Tinjauan Hukum Islam Terhadap Penerapan Akad Murabahah Pada Pembiayaan OTO Berkah Bank Syariah Mandiri KCP Gowa. Dengan rumusan masalah yaitu: Bagaimana penerapan akad murabahah pembiayaan OTO Berkah PT. Bank Syariah Mandiri KCP Gowa dan Bagaimana pandangan hukum Islam tehadap penerapan akad murabahah terhadap pembiayaan OTO Berkah PT. Bank Syariah Mandiri KCP Gowa. Jenis penelitian ini tergolong kualitatif dengan pendekatan penelitian yang digunakan adalah yuridis empiris. Adapun sumber data penelitian ini adalah Brand Manajer dan Sales Force Bank Syariah Mandiri KCP Gowa. Selanjutnya, metode pengumpulkan data yang digunakan adalah observasi, wawancara, dokumentasi. Lalu, teknik pengolahan dan analisis data dilakukan dengan melalui tiga tahapan, yaitu: klarifikasi data, reduksi data dan editing data. Hasil penelitian ini menunjukkan bahwa Bank Syariah Mandiri KCP Gowa menggunakan Akad Murabahah pada produk pembiayaan OTO Berkah yang ditawarkan oleh pihak Bank Syariah Mandiri kepada Nasabah. Kesesuaian Fatwa DSN-MUI Nomor 04/DSN-MUI/IV/2000 Tentang Murabahah dengan praktik pada Bank Syariah Mandiri KCP Gowa menyimpulkan bahwa praktik akad murabahah pada bank sudah sesuai dengan 9 (sembilan) ketentuan dalam penerapan akad murabahah dari fatwa DSN MUI. Kata Kunci : Akad Murabahah, Hukum Islam, Pembiayaan. Abstract This research discusses the Review of Islamic Law on the Application of Akad Murabahah on THE Financing of OTO Berkah Bank Syariah Mandiri KCP Gowa. With the formulation of the problem, namely: How to apply murabahah financing agreement OTO Berkah PT. Bank Syariah Mandiri KCP Gowa and How islamic law views the application of murabahah agreement to the financing of OTO Berkah PT. Bank Syariah Mandiri KCP Gowa. This type of research is classified as qualitative with the research approach used is empirical juridical. The source of this research data is Brand Manager and Sales Force of Bank Syariah Mandiri KCP Gowa. Furthermore, the methods of collecting data used are observations, interviews, documentation. Then, data processing and analysis techniques are carried out through three stages, namely: data clarification, data reduction and data editing. The results of this study showed that Bank Syariah Mandiri KCP Gowa uses Akad Murabahah in OTO Berkah financing products offered by Bank Syariah Mandiri to Customers. Conformity of DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 On Murabahah with practices at Bank Syariah Mandiri KCP Gowa concluded that the practice of murabahah agreements on banks was in accordance with 9 (nine) provisions in the application of murabahah agreements from the MUI DSN fatwa. Keywords: Islamic Law, Murabahah, Financing.
TINJAUAN HUKUM ISLAM TERHADAP GAME ONLINE MOBILE LEGENDS SEBAGAI PENINGKAT EKONOMI MASYARAKAT Akhmad Ashari Manda; Musyfikah Ilyas
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 3 Nomor 4 Juli 2022
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.27324

Abstract

Abstrak Mobile Legends Bang-Bang adalah game MOBA yang dirilis oleh pengembang asal China (Moonton). Saat ini MLBB telah berhasil menjadi game populer dengan ratusan juta pengguna di lebih 200 negara. Sejak pertama kali dirilis, mobile legends telah didesain khusus untuk perangkat mobile sehingga semua orang dapat memainkannya. Berbeda dengan game MOBA lainnya yang hanya bisa dimainkan melalui PC (personal computer). Kemunculan teknologi dan perkembangan game online juga memberikan dampak multilevel pada gaya hidup. Hal yang sama berlaku untuk generasi muda yang tidak bisa lepas dari perangkat SmartPhone. Awalnya pemain yang bermain game Online hanya bermain untuk hiburan dan penghilang stress. Para pemain game sendiri menganggap game sebagai suatu keadaan yang normal, sekarang banyak pemain game yang menghasilkan uang dari game online dengan menjadi pemain professional, menjual akun game serta menjadi penjoki jasa rank. Pokok permasalahan dari penelitian ini adalah bagaimana pandangan Syariah terhadap upaya-upaya dalam meningkatkan ekonomi masyarakat melalui game online Mobile Legends Bang-Bang berdasarkan studi kasus pada komunitas SIH Esports Gowa. Jenis penilitian pada karya tulis ini menggunakan jenis data “kualitatif”, sedangkan hasil penilitian dalam karya tulis ini akan menguraikan mekanisme dalam peningkatan ekonomi yang dilakukan oleh para gamers berdasarkan ketentuan-ketentuan syariah. Kata Kunci: Ekonomi Masyarakat, Game Online, Hukum Islam. Abstract Mobile Legends Bang-Bang is a game released by a developer from China (moonton). Currently, Mobile Legends has a managed to become a popular game with hundreds of million of users in more than 200 countries. Since it was first released, Mobile Legend has been specially designed for mobile devices so that everyone can play it. Different from other games that can only be played through a computer. The emergence of technology and the development of online games also has a multilevel impact on lifestyle. The same applies to the younger generation who can not be separated from smartphones. Initially game players who play only for entertainment and stress relief. The players themselves consider the game as a normal situation, now many gamers are making money from online games by becoming professional players, selling game account, and being a rank service jockey. The main problem in this research is how the sharia view of efforts to improve the community’s economy through the online game mobile legends based on a case study in the SIH Esports Gowa Community. The type of research in this paper uses qualitative data types, while the results of the research in rhis paper will describe the mechanism for economic improvement carried out by gamers based on sharia provisions. Keywords: Community Economy, Islamic Law, Online Games.
PERBANDINGAN HUKUM ISLAM DAN PERLINDUNGAN HUKUM TERHADAP INVESTOR CRYPTOCURRENCY DI INDONESIA Putri, Faizah; Musyfikah Ilyas; Muhammad Yaasiin Raya
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 4 Nomor 1 Oktober 2022
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.28841

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Abstrak Cryptocurrency terdiri dari dua kata yaitu crypto yang berarti rahasia dan currency yang berarti uang. Secara sederhana, kita dapat mendefinisikan cryptocurrency sebagai teknologi mata uang virtual yang menggunakan sistem kriptografi untuk mengamankan transaksi dan tidak dapat dipalsukan. Berbeda dengan mata uang yang kita gunakan sehari-hari, cryptocurrency tidak memiliki bentuk fisik karena ada di dunia maya dan berbentuk digital. Pokok masalah penelitian ini adalah Bagaimana Perbandingan Hukum Terhadap Cryptocurrency Sebagai Sarana Investasi Di Indonesia. Pendekatan yang digunakan dalam penelitian ini ialah pendekatan Yuridis Normatif serta jenis penelitian yang digunakan adalah jenis penelitian kepustakaan/library research. Hasil penelitian ini menunjukkan bahwa kedudukan investasi cryptocurrency dalam hukum islam ialah haram sesuai dengan Fatwa MUI ke VII. Adapun bentuk Perlindungan Hukum Terhadap Investor Cryptocurrency Dikaji dari Peraturan Bappebti Nomor 9 Tahun 2019 Tentang Perubahan Atas Peraturan Bappebti Nomor 5 tahun 2019 Tentang Ketentuan Teknis Penyelenggaraan Pasar Fisik Aset Kripto (crypto asset) di Bursa Berjangka yaitu apabila terdapat pelanggaran yang dilakukan oleh marketplace cryptocurrency, maka bisa diberikan sanksi pembatalan persetujuan. Dengan batalnya persetujuan tersebut, maka marketplace asset crypto wajib mengembalikan dana ataupun menyerahkan asset crypto milik konsumen asset crypto yang dikelolanya, dan dilarang menerima konsumen asset crypto yang baru. Kata Kunci: Cryptocurrency, Investasi, Hukum Islam, Perlindungan Hukum. Abstract Cryptocurrency consists of two words, namely crypto which means secret and currency which means money. In simple terms, we can define cryptocurrency as a virtual currency technology that uses a cryptographic system to secure transactions and cannot be counterfeited. Unlike the currencies we use everyday, cryptocurrencies do not have a physical form because they exist in cyberspace and are digital. The main problem of this research is how to compare the law against cryptocurrencies as a means of investment in Indonesia. The approach used in this study is a normative juridical approach and the type of research used is library research. The results of this study indicate that the position of cryptocurrency investment in Islamic law is haram in accordance with the VII MUI Fatwa. The form of Legal Protection Against Cryptocurrency Investors is reviewed from CoFTRA Regulation Number 9 of 2019 concerning Amendments to CoFTRA Regulation Number 5 of 2019 concerning Technical Provisions for the Implementation of the Physical Market of Crypto Assets (crypto assets) on the Futures Exchange, namely if there is a violation committed by the cryptocurrency marketplace, then sanction of cancellation of approval may be imposed. With the cancellation of the agreement, the crypto asset marketplace is required to return funds or hand over crypto assets belonging to the crypto asset consumers it manages, and are prohibited from accepting new crypto asset consumers. Keywords: Cryptocurrency, Islamic law, Investment, Legal Protection.
DAMPAK PERNIKAHAN ANAK TERHADAP KESEJAHTERAAN RUMAH TANGGA PERSPEKTIF HUKUM ISLAM Sirajuddin; Muh. Saleh Ridwan; Musyfikah Ilyas
Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam Vol 4 No 1
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/qadauna.v4i1.29166

Abstract

Masalah pokok pada penelitian ini adalah bagaimana dampak pernikahan anak terhadap kesejahteraan rumah tangga perspektif hukum Islam di Desa Cikoang. Dari pokok masalah tersebut muncul sub masalah yang dibagi menjadi dua sub masalah yaitu: 1) bagaimana dampak pernikahan anak yang terjadi di Desa Cikoang Kec. Mangarabombang Takalar?, 2) bagaimana akibat pernikahan anak terhadap kesejahteraan rumah tangga dalam perspektif hukum islam di Desa Cikoang Kec. Mangarabombang Takalar?.Metode penelitian yang digunakan adalah penelitian lapangan yang dideskripsikan secara kualitatif dengan menggunakan kajian hukum normatif-yuridis. Kemudian pendekatan penelitian menggunakan pendekatan syar’I dan sosiologi, yang mana penulis memasukkan ayat-ayat Al-Qur’an dan Hadis dalam pembahasan dan hubungan timbal balik dalam masyarakat. Adapun metode dalam pengumpulan data penelitian yaitu: observasi, wawancara dan dokumentasi. Sementara pengelolaan data yang digunakan yaitu: editing data dan pengelompokan data. Hasil penelitian yang telah peneliti lakukan menunjukkan bahwa: 1) Faktor terjadinya pernikahan anak, yaitu kemauan sendiri dan paksaan dari orang tua. Pada faktor kemauan sendiri terdapat sebanyak lima pasangan dan pada faktor paksaan orang tua terdapat satu pasangan. 2) Akibat dari pernikahan anak terhadap kesejahteraan rumah tangga perspektif hukum Islam di Cikoang Kec. Mangarabombang Takalar, yaitu menambah beban orang tua dan mengurangi beban orang tua. Implikasi penelitian ini adalah: 1) Orang tua atau keluarga perlu memberikan pengarahan juga pemahaman kepada anak-anaknya agar mereka tahu dan mengerti bahwa dalam pernikahan bukan hanya tentang keenakan dari berhubungan intim antara laki-laki dan perempuan, namun ada kewajiban masing-masing yang harus ditunaikan dalam menjalankan keluarga tersebut.2) Pemerintah daerah perlu melakukan sosialisasi mengenai dampak dari pernikahan anak, yang berakibat pada tingkat sumber daya manusia yang rendah akibat dari rendahnya pendidikan yang digantikan dengan pernikahan anak yang meningkat. 3) Tokoh masyarakat perlu memberikan nasihat atau masukan kepada orang tua serta anak-anak muda agar tidak terjerumus pada pernikahan anak, walaupun memiliki dampak positif namun pernikahan anak yang terjadi justru memiliki dampak negatif yang lebih banyak.Kata Kunci: Pernikahan Anak, Kesejahteraan Rumah Tangga.
ANALISIS PUTUSAN HAKIM TENTANG WALI ADHAL DI PENGADILAN AGAMA WATANSOPPENG (STUDI TERHADAP PUTUSAN NO. 12/Pdt.P/2021/PA.Wsp) Yul Hidayah; Muh. Jamal Jamil; Musyfikah Ilyas
Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam Vol 4 No 1
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/qadauna.v4i1.30061

Abstract

This study discusses the analysis of the Judge's Decision on guardian Adhal at the Watansoppeng Religious Court (Study of Decision No. 12/Pdt.P/2021/PA.Wsp). The sub-problem that the author raises is, how is the description of the case of the adhal guardian's application in the decision number 12/Pdt.P/2021/PA.Wsp, then the basis for the judge's consideration in determining the decision number 12/Pdt.P/2021/PA.Wsp. This type of research is field research which is then analyzed qualitatively using a juridical and syar'i approach, then this research is sourced from the results of direct interviews by the Religious Courts. The results of the study indicate that the determination to accept the applicant's application because the reason made by the guardian does not want to marry does not become a barrier to become a guardian. As for the judge's consideration in granting the petition regarding the guardian of Adhal because there are no grounds or elements that prevent the two parties from getting married, based on the evidence and testimony of the witnesses presented in the trial process, it was found that the reasons used by the guardian for not agreeing to become a guardian is proven to be inappropriate and contrary to syara', besides that the applicant and his prospective husband have been proven to be kafa'ah according to the applicable laws and regulations. The implication of this research is that marriage guardians are expected to reconsider more about rejecting the good intentions of someone to marry his brother, before carrying out the marriage, the prospective husband should introduce the family, namely the family of the woman and for the practitioners of Islamic law to socialize to the public regarding guardian adhal so that the community understands about this and there are no unwanted marriages.
PERTIMBANGAN HAKIM DALAM PENETAPAN PERMOHONAN DISPENSASI KAWIN SEBAGAI UPAYA MENUTUP MALU AKIBAT HAMIL DI LUAR NIKAH (Studi Putusan Pengadilan Agama Kelas 1B Sengkang Nomor 1/Pdt.P/2020/PA.Skg. Perspektif Hukum Islam) Iffah Annisa Faulia Gusti Hasan; Hartini Tahir; Musyfikah Ilyas
Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam Vol 4 No 1
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/qadauna.v4i1.30755

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This research discusses how the Judge's Consideration of the Application for Marriage Dispensation as an Effort to Cover Shame due to Pregnancy Out of Wedlock (Study of the Decision of the Sengkang Class 1B Religious Court Number 1/Pdt.P/2020/PA.Skg Perspective of Islamic Law)". From the main problem, the writer formulates several sub-problems, namely: What is the process of applying for a marriage dispensation at the Sengkang religious court? What are the positive and negative aspects in the provision of marriage dispensation due to pregnancy out of wedlock? and How is the judge's consideration in granting a marriage dispensation case due to pregnancy out of wedlock on case number 1/Pdt.P/2020/PA.Skg Perspective of Islamic Law? This type of research is field research or can be called qualitative research, field research is carried out using the method of observation, interviews, and describes the facts that occur in the field. The results of this study indicate that in granting the application for dispensation for marriage due to pregnancy out of wedlock, the Panel of Judges certainly bases its considerations on the principles of Islamic law, one of which is that if it is linked between taking benefit or rejecting harm, then rejecting harm takes precedence over taking benefit. The implication of this research is that parents should pay more attention to their children so that unwanted things do not happen. And people should be more aware and understand the laws that apply in this country in order to realize a happy and prosperous marriage. Keywords: Dispensation for Marriage, Pregnant Out of Wedlock, Islamic Law.
EFEKTIVITAS SIDANG DI LUAR GEDUNG PENGADILAN DALAM PENYELESAIAN PERKARA ISBAT NIKAH TAHUN 2022 DI PENGADILAN AGAMA MAROS KELAS I B Rifda Cahya Alindah Alindah; Musyfikah Ilyas; Muhammad Fajri
Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam Vol 4 No 1
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/qadauna.v4i1.30835

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The main problem in this research is how effective the trial outside the court building held by the Maros Religious Court class I B, especially in the settlement of the marriage isbat case, then in formulating the sub-problems, namely: 1) What are the factors that hinder and support the trial outside Maros Religious Court building class I B in the settlement of the isbat marriage case in 2022? 2) What is the impact of the trial outside the Maros Religious Court building class I B in the settlement of the isbat marriage case in 2022? This research is included in qualitative field research (field research) using qualitative methods, in which this study focuses on collecting data from predetermined informants. The approach used in this thesis research is an empirical juridical and social/sociological approach because the data needed are data in the form of interviews from judges, clerks, respondents, the community and others for the author. The results of this study are that the effectiveness of the trial outside the court building in 2022 is very good and effective, because it has reached a standard level of satisfaction where the court has followed the existing policy to conduct a trial outside the court building so that the public does not have difficulty applying for itsbat married at the trial. Lack of obstacles during the trial due to complete and adequate facilities or infrastructure. As for the impact of holding a trial outside the Maros Religious Court class I B building, which is to raise legal awareness for people whose marriages are not legally valid to immediately perform isbat marriage and get a marriage certificate so that it is recognized by law and the state, more and more people are getting legal certainty in taking isbat marriage outside the courthouse and more and more areas are getting legal services easily. The implications of the research are 1. Socialization related to hearings outside the court building, especially in the settlement of isbat marriage cases to the public to better know the importance of a legal marriage. 2. For the Maros Religious Court class I B as the agency authorized to handle hearings outside the court, the court must try to maximize the trial process so that the trial runs smoothly. Keywords: Effectiveness, Isbat Marriage, Court
ANALISIS NORMATIF TERHADAP PERCERAIAN KARENA PENGUNAAN MEDIA SOSIAL Siti Anisa; Musyfikah Ilyas; Nurfaika Ishak
Qadauna: Jurnal Ilmiah Mahasiswa Hukum Keluarga Islam Vol 4 No 1
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/qadauna.v4i1.30903

Abstract

Building a happy and harmonious household is everyone's dream. However, in the course of domestic life, it does not always run smoothly, there are problems that adorn every journey, even to the decision to divorce. The problem studied in this study is to analyze divorce due to the normative use of social media and how judges consider in deciding divorce cases due to social media in the decision of the Sidenreng Rappang Religious Court. This research is a type of normative-empirical legal research with qualitative research methods. The results of this study explain that there are several divorce decisions that were triggered by the use of social media at the Sidenreng Rappang Religious Court. Social media here is not the main factor of a divorce but as a factor causing the divorce. The panel of judges in resolving divorce cases triggered by the use of social media is based on the facts in the trial that became the reason for the divorce. In divorce cases due to domestic disputes, the judge will refer to Article 19 letter (f) of Government Regulation Number 9 of 1975 concerning the Implementation of Law Number 1 of 1991 concerning the Compilation of Islamic Law. In Islamic law, the use of social media depends on the user's intentions. There needs to be awareness in the community in using social media, especially for married couples. Sometimes using social media is out of bounds and the obligations of husband and wife are neglected.
PROBLEMATIKA PEMBIAYAAN AKAD MUSYARAKAH DI BAITUL MAAL WAT TAMWIL FASTABIQUL KHAERAT MAKASSAR Jabal Rahmat S; Musyfikah Ilyas; Basyirah Mustarin
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 4 Nomor 2 Januari 2023
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v4i2.27306

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Abstrack Shows that from the data that the researcher got from BMT Fastabiqul Khaerat Makassar about the procedure for applying for financing after being compared with the existing theory. The financing application procedure applied by BMT Fastabiqul Khaerat can be said to be quite good, because it has been systematically arranged starting from file submission, survey process, assessment of 5C principles (Character, capacity, capital, collateral and condition). The problems that occur at BMT Fastabiqul khaerat are influenced by two factors, the first. Internal factors are factors that come from within the BMT itself. The second factor is External Factors, namely factors originating from outside the BMT, namely unfavorable economic conditions resulting in a decrease in people's purchasing power, failure of customer business, character of customers who are not trustworthy or dishonest in returning their obligations to BMT. While the strategy in Overcoming the Problems of Financing Musyarakah Contracts at BMT Fastabiqul Khaerat Makassar is rescheduling, Reconditioning, Settlement through guarantees BMT Fastabiqul Khaerat Makassar will temporarily confiscate the members' collateral because members are considered to have been negligent in returning the financing. Keywords: Baitul Maal Wat Tamwil, Financing, Musharaka contract.
FAKTOR SOSIAL BUDAYA DAN ATURAN PERUNDANGAN Musyfikah Ilyas
DIKTUM: Jurnal Syariah dan Hukum Vol 13 No 1 (2015): Diktum : Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (617.439 KB) | DOI: 10.35905/diktum.v13i1.357

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There are two main issues discussed in this study. They were the dynamics of socio-cultural factors before the birth of the legislation and the effects of both of these factors to the public after enactment. The focus of the regulations rules in this study is the law of marriage. Based on the formal judicial approach, there is a very strong influence on society change after the birth of some the regulations rules related to marriages registration, polygamy, marriage age limit, divorce before the court, and the status of children in marriage. The changes are more affected by socio-cultural factors.